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农户信贷在我国的发展已取得了很大的成就,但近年来它所带来的风险问题也日益突出,严重影响了我国农村小额信贷发展进程。而在农户小额信贷的诸多风险之中,信用风险是其面临的主要风险。而探索贷前农户信用风险的评级可行方法是预防信用风险的有效途径。为此,本文通过对农户小额信贷的现状以及信用风险的分析,来对农户小额信贷的信用风险进行评价,为推进农村小额信贷进行管理提供帮助。
Farmers’ credit has made great achievements in the development of our country. However, the risks it brings in recent years have also become increasingly prominent, seriously affecting the development of rural microfinance in China. Among the many risks of rural microfinance, credit risk is the major risk facing it. The feasible method of rating the credit risk of pre-lending households is an effective way to prevent credit risk. Therefore, this paper evaluates the credit risk of rural micro-credit by analyzing the status quo of rural micro-credit and credit risk, which helps to promote the management of rural micro-credit.